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Mobile Banking [link widoczny dla zalogowanych] Some lenders will provide what's called revolving credit or a line of credit. This is a loan that borrowers can draw down when needed and pay back when it works for them. Credit cards are a form of revolving credit, as are home equity lines of credit (HELOCs). Before the internet, the standard process for these loans involved a lender providing a short-term unsecured loan to be repaid at the borrowers next payday. Typically, some verification of employment or income was involved (via pay stubs and bank statements). In this traditional retail model, borrowers would physically visit a payday lending store to secure the small cash loan, with payment due in full at the borrowers next paycheck. The borrower was responsible for paying back the amount borrowed plus fees (interest).

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